Alright, using a throwaway for this one.
Back in December, my car got broken into, and several guns, along with other things, were stolen. Yeah, I know—I should’ve been more careful, but I was on my way back from hunting. The stolen guns included a Browning, a CZ, and a Glock, worth about $2600, $700, and $540. My insurance did reimburse me for the loss, though they had a $2500 cap on firearms, so I used the other stolen item values to cover everything.
Now, I got a call from the local police saying they found the shotguns during a search at a suspected burglar’s house. They asked me to pick them up, but didn’t mention any of the other stuff, which I guess would be easier to sell. I have a lot of sentimental value attached to the Browning, so I’d really like to keep it. I already bought a replacement gun that’s actually a better deal, so I’d keep both if I can.
From what I understand, the recovered guns technically belong to the insurance company now. How should I approach them? The officer told me it’s up to me to contact insurance. Do I have a time limit? And, would I have to pay full value for the Browning? The CZ isn’t as important since I already replaced it with the same model. Not looking to do anything shady—just want to understand how this might play out so I’m ready.
Any advice would be appreciated!